TLYIX vs. SCHD
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Schwab U.S. Dividend Equity ETF (SCHD).
TLYIX is managed by TIAA Investments. It was launched on Sep 29, 2009. SCHD is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Dividend 100 Index. It was launched on Oct 20, 2011.
Performance
TLYIX vs. SCHD - Performance Comparison
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TLYIX vs. SCHD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TLYIX TIAA-CREF Lifecycle Index 2035 Fund | -1.23% | 17.02% | 11.83% | 17.24% | -16.30% | 13.19% | 15.53% | 23.03% | -5.76% | 16.49% |
SCHD Schwab U.S. Dividend Equity ETF | 12.17% | 4.34% | 11.66% | 4.54% | -3.26% | 29.87% | 15.03% | 27.29% | -5.56% | 20.85% |
Returns By Period
In the year-to-date period, TLYIX achieves a -1.23% return, which is significantly lower than SCHD's 12.17% return. Over the past 10 years, TLYIX has underperformed SCHD with an annualized return of 9.16%, while SCHD has yielded a comparatively higher 12.25% annualized return.
TLYIX
- 1D
- 1.95%
- 1M
- -4.24%
- YTD
- -1.23%
- 6M
- 0.72%
- 1Y
- 14.73%
- 3Y*
- 12.62%
- 5Y*
- 6.65%
- 10Y*
- 9.16%
SCHD
- 1D
- -0.55%
- 1M
- -3.43%
- YTD
- 12.17%
- 6M
- 12.91%
- 1Y
- 13.70%
- 3Y*
- 11.84%
- 5Y*
- 8.32%
- 10Y*
- 12.25%
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TLYIX vs. SCHD - Expense Ratio Comparison
TLYIX has a 0.10% expense ratio, which is higher than SCHD's 0.06% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
TLYIX vs. SCHD — Risk / Return Rank
TLYIX
SCHD
TLYIX vs. SCHD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Schwab U.S. Dividend Equity ETF (SCHD). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| TLYIX | SCHD | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.34 | 0.88 | +0.46 |
Sortino ratioReturn per unit of downside risk | 1.93 | 1.32 | +0.61 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.19 | +0.10 |
Calmar ratioReturn relative to maximum drawdown | 1.72 | 1.05 | +0.68 |
Martin ratioReturn relative to average drawdown | 7.79 | 3.55 | +4.24 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| TLYIX | SCHD | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.34 | 0.88 | +0.46 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.59 | 0.58 | +0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.74 | 0.74 | 0.00 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.71 | 0.84 | -0.13 |
Correlation
The correlation between TLYIX and SCHD is 0.82, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
TLYIX vs. SCHD - Dividend Comparison
TLYIX's dividend yield for the trailing twelve months is around 3.74%, more than SCHD's 3.46% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TLYIX TIAA-CREF Lifecycle Index 2035 Fund | 3.74% | 3.70% | 3.09% | 2.19% | 2.70% | 2.89% | 2.03% | 2.26% | 2.73% | 0.15% | 2.56% | 0.27% |
SCHD Schwab U.S. Dividend Equity ETF | 3.46% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
Drawdowns
TLYIX vs. SCHD - Drawdown Comparison
The maximum TLYIX drawdown since its inception was -26.39%, smaller than the maximum SCHD drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for TLYIX and SCHD.
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Drawdown Indicators
| TLYIX | SCHD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.39% | -33.37% | +6.98% |
Max Drawdown (1Y)Largest decline over 1 year | -8.20% | -12.74% | +4.54% |
Max Drawdown (5Y)Largest decline over 5 years | -23.24% | -16.85% | -6.39% |
Max Drawdown (10Y)Largest decline over 10 years | -26.39% | -33.37% | +6.98% |
Current DrawdownCurrent decline from peak | -5.00% | -3.43% | -1.57% |
Average DrawdownAverage peak-to-trough decline | -3.83% | -3.34% | -0.49% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.81% | 3.75% | -1.94% |
Volatility
TLYIX vs. SCHD - Volatility Comparison
TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) has a higher volatility of 4.33% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 2.33%. This indicates that TLYIX's price experiences larger fluctuations and is considered to be riskier than SCHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLYIX | SCHD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.33% | 2.33% | +2.00% |
Volatility (6M)Calculated over the trailing 6-month period | 6.70% | 7.96% | -1.26% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.42% | 15.69% | -4.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.44% | 14.40% | -2.96% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.45% | 16.70% | -4.25% |